Also, BTN is setting up its lender Office environment and has signed a memorandum of understanding to the housing bank loan (KPR) programme having an estimated investment of Rp86 billion on 9,000 square meters of land.?? ??? ??? ???? ???? ???? ??? ???? ??? ?????? ???? ??????????? ???? ???????????? ??? ????????????? ???? ???????????? ???? ??????????